EMI vs SIP for ₹8,800,000

13 Years @ 7%

Original Plan

13 Years @ 7%

EMI: ₹ 86,071

Extended Plan

18 Years (Reduced EMI)

EMI: ₹ 71,764

Monthly Savings

₹ 14,306

SIP Investment

@ 12% for 18 years

₹ 10,950,629

Extra Interest Paid

₹ 2,074,063

Final Outcome

₹ 8,876,565

Profit from SIP strategy

Analysis

For ₹8,800,000 loan at 7%, investing savings can generate ₹10,950,629.

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